I want to be able to buy the best food available in order to keep us healthy.

Interested for finance or invest in any of the following:*Real Estate*Resorts*Restaurants and Food Courts*Schools Science research*Shipping Cruises & Shopping Malls* Manufacturing firms*Sports Facilities*Constructions firm*Resorts & TourismDo communicate me via email only with attached projects summary/business plan.

You don't fully(if at all) trust the newb so you do double if not triple the work for the same pay off.Just giving some food for thought as the decisions are all yours to make at the end of the day.   

We have something else in common other than REI, that being food and hospitality, only problem is you work so hard for so little in return unless your a celebrity cook but hey that's why we're here right!

A has been working with his father business the last year that owns commercial real estate and franchises of fast food stores.

I would suggest calling and talking to the specific loan officer/processor who is handling your loan and find out exactly what the hold up is. 

The goal here is to make sure you have resources in place so that you do not have to sell your properties at fire sale rates just to put food on the table for your family.

I have the costs of renting a separate room and having good food and better transport to work which is are a bit higher than those who skimp on these.

Another way to sell it to him is making him aware that he can be like the guy at the top of the money food chain - a bank - loan out money and collect interest.

The senior lender knows that they are at the top of the food chain and they'll have absolutely zero motivation to discount the note or waive accrued charges and penalties.